Wow..... I am probably the worse first time car buyer in the world. I am not sure what else can possibly go wrong the second time- if i ever- buy a car. Below is what I have learned so far:

1. Do not trust the Salesman (I guess that was kinda obvious)

2. Make sure to ask the finance person about the finance no matter what the sales person said (Seems kinda obvious now)

3. Make sure that the VIN# is correct on the insurance policy once you receive it (yea another one that seems obvious- I just got a letter from the DMV with the intent to suspend my Reg cause i don't have insurance. Turns out a 5 was put as a 6)

4. When you are merging on the freeway make sure you concentrate on the front AND the side (another obvious point)

5. I am still not sure if the Title got transferred properly because of the whole financing issue.

Part Two... It's a conspiracy... I forgot to mention last time that when we went in to the dealer to pay the loan we asked the the crazy salesman and he said he went in the hospital.

Today when the financial manager returned my call about the personal check HE actually asked me who told me to bring in the check... The guy that took my check said he did... Then he asked who was the person I signed the contract with and it turns out she is on disability now...

When will this nightmare end???? Wow… my first real car and I hope this will be the worst car experience ever, cause I will explode if I have to go through this again.

It all started with the stupid sales man. When he was negotiating the price with us he mentioned that we might get a high interest rate because of the “discount” he was giving us and not to worry about it because we had 1 week to shop for a new rate.

So, I call them on two days later to ask about the procedures to pay it off when I get my rate and the guy mentioned something about my loan being sent out already, but it will be OK if I get my check in by Friday. So, I go in on Friday and the Financial Manager tells me that it got sent out to a bank and I had to deal with the bank myself! I was thinking… uh… isn’t there a week to do that???? Then she tells me that the SALESMAN never told her about it and it was his job to tell her. She brings in the Sales manager and he starts saying that it is not the sales person’s job to be talking about Finance, I was suppose to tell the Finance person myself I wanted the week . Uhhh… if he wasn’t supposed to talk about Finance, why did he??? People are also contradicting themselves. She says he was supposed to tell her and the Manager says the sales guy was not suppose to. As a result, they were unable to take my loan and we were having them deal with the other bank to get our loan back.

On Saturday, we get a call from the Finance Manager saying that they can take the loan back from the bank, but we will have to write them a check first, so they can use that to pay off the bank and they can deal with the loan. I wanted to set up an appointment but, she said to go in anytime before Monday. So, we go the next day to pay it off with a personal check for the time being and it turns out she doesn’t start work till 1pm!!!! We were there at 12:30pm. So we sit there and wait till 1:25pm and she is still not there. As a result, I asked to speak with a manager and a guy comes out, looks at my docs, brings it in to a “supervisor” like person and says if I give him the check it, they will take care of everything…. They were so wrong……On Monday I get a call from another person from the Finance department, saying that they needed a check directly from Wells Fargo in order to transfer the title to them. The worst part is the other department already processed my check!!!! I try calling Wells to stop the check and of course their systems have to be down on the same day. I wanted to keep the loan with the low rate from Wells, so I asked them to send the check to the dealer and had them stop the check. That wasn’t enough when the dealer got the check; my name had to be on the check too…. As a result, I had to go back and sign it off to them. I thought it was all over…. Until I discovered they cashed the person check that was written too!!!!!! The check wasn’t stopped in time. Now I have to talk to then AGAIN!!!!!!!!

It seemed like it was time for me to take another step in life, so I applied to the Professional Master of Science in Financial Analysis program. It's a Saturday program for two years. This means no Saturday morning & afternoon fum for me...

I made this decision kinda late in the year, so it was a huge rush. Thank you everyone who helped me review my stuff!

I was thinking that I should be doing more exercise so I decided to do tennis since I have rackets at home. I was missing some tennis balls so I went to Sports Authority to get some. And guess what I see... a PURPLE racket! It's a Wilson Hope Racket, so I am helping to donate money to Breast Cancer Research. Yea... I got it for that reason... and it is lighter than the one I have.

Stupid banks and credit cards that make people like us pay finance charges. It's very very very stupid.

Yea so apparently if you are late one day on a payment, you get finance charged on the coming statement and on the one after that. What is the reasoning in that??? You were already charged once and they charge you again!!! WHY!!!! Yea so I have paid $20 worth of charges for one stupid day.

I tried to cancel the card, but they still won't do anything about the charge cause it is written on the "agreement." Like any normal person can understand that! I tried reading it and it's not in plain language.

I would have canceled it if I didn't want to lose my points. This is how they sucker you in.

Back and tired... Came back from my East Cost trip of NY and Boston last Wednesday. Bunch od delays due to weather and other stuff.

It started with the first flight from Oak to NY. We were suppose to leave at 11:40am but didn't leave till about 2:20pm, so we didn't get to NY till around 11:30pm NY time. When we got to the hotel the guy there tells me that they are full booked and they do not have any double double bed rooms anymore. I said I booked them online and paid for it, and he was trying to say... we didn't get a call so... he tried to put 4 adults into a room with a medium bed. There was NO way four adults can fit in that room he showed me even with a blow up bed. As a result, we got two rooms with medium beds.

NY looks a lot like HK and SF put together. There were screen billboards everywhere. TVs flashing everywhere. Museums there were nice too.

2nd flight was from NY to Boston. The flight was suppose to leave at 2:10pm and arrive at 3:20pm, but will all the weather delays we didn't get there till about 5:30pm. We actually had to land on another airport for more fuel.

Boston is a nice small city. My bro's school looks pretty cool the people there seems very nice. I didn't know they had a Chinatown there. Most of the shops were restaurants. We did a walk around the city and looked at historical buildings. The parks were nice.

The flight back home was also delayed for an hour. Will all the delays from this trip it is enough for me to fly to NY again.

Old... I feel old. My cousin who is in High School is have a B-day party at my house. They are playing MJ and Magic. I used to play MJ at my B-day party! I feel so old when I think they are too loud and I want to get out of the house. I guess this gives me time to stay in my room and update my journal.